Chase Bank Personal Loan Alternatives

Chase doesn't offer personal loans. Financing may be available through other banks, credit unions and online lenders.

Amrita JayakumarMarch 8, 2019

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JPMorgan Chase — like many other large U.S. banks — does not currently offer unsecured personal loans. However, you still have options from other lenders, including other banks, credit unions and online lenders.

Personal loan alternatives to Chase

Banks

Citibank and Wells Fargo are two among a short list of banks that offer personal loans. You have to sign up to be a bank customer, and there are minimum credit and income requirements.

Features of a typical bank-issued personal loan:

  • Credit score accepted: good to excellent.

  • APR range: 7% to 24%.

  • Loan amounts: $2,000 to $100,000.

Credit unions

Most credit unions also offer personal loans, and with lower rates than traditional banks and online lenders. They do not require good credit profiles to qualify. Your local credit union is a good first choice when shopping for a personal loan.

Features of a typical credit union personal loan:

  • Credit score accepted: bad to excellent.

  • APR range: Average 9.3% at federal credit unions for a 3-year loan.

  • Loan amounts: $500 to $50,000.

Online lenders

Online lenders deal with all types of credit profiles and most will estimate your rates without a hard inquiry on your credit. It pays to shop around among online lenders because each company uses its own formula for setting your rate. NerdWallet’s comparison tool lets you check rates at multiple online lenders without affecting your credit.

Features of a typical online personal loan:

  • Credit score accepted: bad to excellent.

  • APR range: 6% to 36%.

  • Loan amounts: $1,000 to $100,000.

Compare personal loans

Here are three online lenders to consider as alternatives to Chase. NerdWallet recommends pre-qualifying for multiple loans to compare rates.

Marcus by Goldman Sachs
Lending Club
SoFi
Est. APR

6.99-28.99%

Est. APR

6.95-35.89%

Est. APR

5.99-17.67%

Loan Term

3 to 6 years

Loan Term

3 to 5 years

Loan Term

2 to 7 years

Loan Amount

$3,500-$40,000

Loan Amount

$1,000-$40,000

Loan Amount

$5,000-$100,000

Min. Credit Score

660

Min. Credit Score

600

Min. Credit Score

680

Get your personalized rate

Click “Check Rate” to pre-qualify and receive a personalized rate from multiple lenders on NerdWallet.

Other types of Chase loans

Chase offers other types of loans, including:

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